In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question
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Bank First Visa Platinum Credit Card

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Bank First Visa Platinum Credit Card
Terms and conditions apply
Purchase rate
9.59% p.a.
Annual fee
$99 p.a.
Interest-free on purchases
Up to 55 days

Our verdict

Enjoy a low interest rate on purchases and balance transfers while enjoying extra features with the Bank First Visa Platinum credit card.

The Bank First Visa Platinum credit card is one of the few cards that offer low interest on both purchases and balance transfers, which is quite low compared to other platinum cards.

Pros

  • A low interest rate of 9.59% p.a. on purchases and balance transfers
  • 0% foreign transaction fees
  • Complimentary travel insurance and 24/7 platinum concierge services

Cons

  • No rewards program linked to this card

In this guide

  • Our verdict
  • Details
    • Product details
    • Eligibility
    • Rewards
    • Fees
  • How to apply
  • Card benefits
  • Rates & fees
  • Your reviews
  • Ask a question

The Bank First Visa Platinum credit card offers 9.59% p.a. on both balance transfers and purchases, which is quite low compared to other credit cards in the market. Cardholders can also access platinum perks including complimentary travel insurance, a 24/7 concierge service and exclusive deals through Visa Offers and Perks.

Details

Product details

Product Name Bank First Visa Platinum Credit Card
Purchase rate p.a. 9.59%
Interest-free period Up to 55 days on purchases
Cash advance rate p.a. 19.59%
Min credit limit $6,000
Card type Visa

Eligibility

Available to temporary residents No
Joint application No

Rewards

Bonus points N/A

Fees

Annual fee $99
Minimum monthly repayment 5% of the closing balance or $20, whichever is greater
Late payment fee $20
Foreign currency conversion fee 0%
Cash advance fee $2.50
Overseas cash advance fee $2.50
Overseas ATM withdrawal fee $2.50
Additional cardholder fee $0

How to apply

You can apply for the Bank First Visa Platinum credit card online in around 10 minutes. You should check if you meet the eligibility criteria and that you have the necessary information to complete the application before you get started.

Eligibility criteria

  • Age. You must be at least 18 years old.
  • Residency. You must be a permanent Australian resident.

Card benefits

  • No foreign currency conversion fees on purchases. The Bank First Visa Platinum credit card does not charge a fee for transactions made online or overseas in a foreign currency.
  • Overseas travel insurance. You can save on an essential holiday cost with complimentary international travel insurance. This includes cover for overseas medical expenses, emergency dental expenses, flight cancellations, travel delays, missed connections, mugging and accidental death. Terms, conditions and exclusions apply.

Rates & fees

  • Annual fee. This card charges a $99 annual fee.
  • Low variable interest rate. Purchases and balance transfers attract a 9.59% p.a. interest rate.

Your reviews

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Ask a question

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Sally Finder

Producer

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William Myslinski

February 03, 2024

how do you apply for a credit? There is alot of reference questions but no new accounts buttons


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Amy Bradney-George Finder

February 05, 2024

Hi William,

We don’t currently offer this product through Finder, so you can contact them directly to apply.


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Julie

January 12, 2019

I would like advice on a credit card that I may be able to apply for on a pension.


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Joshua Finder

January 14, 2019

Hi Julie,


Thanks for getting in touch with Finder. I hope all is well with you. :)


You may refer to our list of credit cards for pensioners and retirees. On that page, you will be able to compare your credit cards for pensioners and learn how to apply. There’s a table there that lists some of your options as well as their corresponding details. When you are ready, press the “Go to site” button to apply.


Please make sure though to read the eligibility criteria, features and details of the card, as well as the relevant PDS/ T&Cs of the card before making a decision and consider whether the product is right for you.


I hope this helps. Should you have further questions, please don’t hesitate to reach out again.



Have a wonderful day!



Cheers,

Joshua


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